# SpendByMe vs Kharchy

The clearest difference is in-app purchases: Kharchy at none against SpendByMe's 7. On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. SpendByMe sells 7 in-app purchases, starting at $1.99 per month. Kharchy asks for nothing beyond the download.

## The numbers

| Metric | SpendByMe | Kharchy |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 58.8% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 5 days | — |
| Monetization | Free with in-app purchases | — |
| Size | 90 MB | 87 MB |
| Requires iOS | **16.0** | 16.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Abhinav Ranjan Jha](https://appshunter.io/developer/1890999305) | [Jignesh Patel](https://appshunter.io/developer/6811267093) |

## What reviewers say

### SpendByMe

[App page](https://appshunter.io/ios/app/spendbyme/id6761703663)

Effortlessly manage your finances with an AI-powered app that automatically tracks expenses, subscriptions, and bills by analyzing SMS and email. Gain clarity on your spending without manual entry, organize transactions with smart categorization, and monitor credit card usage and upcoming payments.

**Highlights:** Automatic expense tracking via SMS/email, Smart expense categorization, Credit card bill and due date tracking, Subscription, loan, and EMI tracker, Expense splitting with friends/couples, Budget planner and goal tracking, Spending map and insights

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| SpendByMe Pro - Monthly | $1.99 | per month |
| Spendbyme Plus Monthly | $3.99 | per month |
| Spendbyme Max Monthly | $7.99 | per month |
| SpendByMe Pro 6 Months | $7.99 | per 6 months |
| SpendByMe Pro 1 Year | $14.99 | per year |
| Spendbyme Plus Yearly | $29.99 | per year |
| Spendbyme Max Yearly | $59.99 | per year |


### Kharchy

[App page](https://appshunter.io/ios/app/kharchy-daily-expense-tracker/id6811267091)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is SpendByMe free?

SpendByMe is free to download, with in-app purchases available.

### Is Kharchy free?

Kharchy is free to download, with no in-app purchases.

### Do SpendByMe or Kharchy have ads?

Neither SpendByMe nor Kharchy shows ads.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*